Cut-rate insurance can get expensive. Click a Mayhem below to find out how.

Expensive Cars

Bad news: You just rear-ended a fancy-looking car.

Worse news: If you have cut-rate insurance, it might not pay the entire repair bill. One of the ways discount insurers might get their rates down is to lower the amount of damage they'll cover. And while luxury cars crash the same as regular cars, they can cost a lot more to fix.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

The cleaning lady just broke something in your house.

Her clavicle. Which begs the question: Are you covered if someone gets hurt in your home? If you have cut-rate insurance, you may not have the coverage you need. Don't get stuck paying someone else's medical bills.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

Thanks to gravity, water tends to flow downward.

And if you don't have renters insurance, you're putting a lot of trust in your neighbors. Because if somebody upstairs makes it rain in your apartment, you may get stuck paying for the damage to your stuff. It's the type of stuff an Allstate Agent could tell you that discount insurers may not.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

Say you're out for a Saturday drive.

Out of nowhere a hot jogger runs past. Since you're human, she catches your eye. And she holds it while your hood catches a light pole. Your car might be covered, but those poles can be expensive. If you have cut-rate insurance, don't assume you have enough coverage.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

Your car was hit by an emotionally compromised teen.

Someone broke her heart. So she inadvertently broke your bumper. And by the time you see it, she's gone. Are you covered? Cut-rate insurance comes cheap because it may not cover certain types of accidents, like hit-and-runs.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

You checked your driver's side mirror. No car.

You move into the left lane and all of a sudden... CAR! Now you've got two damaged cars. Not a good time to find out what your insurance cut out to get you that super-low premium. This is the type of thing an Allstate Agent could tell you that cut-rate insurance won't.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

One second you're trimming an edge with your circular saw.

The next second that circular saw goes shooting through the dining room window, carving up your hardwood floor like a rabid wolverine. How much will it cost to use your home insurance? If you have cut-rate insurance, you may have traded a really low premium for a really high deductible. Probably worth checking out.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

Your wipers came brand new. Six years ago.

And just as their will to keep working runs out, you run into a traffic sign. Since you're not required to carry collision coverage, discount insurers may leave it out, leaving you to pay for this yourself. And it's the type of thing an Allstate Agent could tell you that cut-rate insurance won't.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

Your car battery's out of juice.

You've got cables and you've got someone to give you a jump, but what you don't have is any idea on how to use those cables to give your battery a jump. Can you get help? If you're stuck with cut-rate insurance, you might be stuck. And it's the type of thing an Allstate Agent could tell you that cut-rate insurance won't.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

That grill you put out at halftime made a big comeback.

Now, while your team is on fire, so is your car. Will cut-rate insurance buy you another car? See, low cost may equal low coverage. And for something like this, you may have no coverage. And it's this type of thing an Allstate Agent could tell you that cut-rate insurance won't.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

You're driving down a road at night.

A deer decides it should also be on this road. You two meet. It doesn't end well for the deer, or the hood of your car. Are you covered for that? With cut-rate insurance, probably not. Discount policies may come cheap because they don't cover certain types of accidents, like hitting a deer.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

Your GPS is getting old.

Sure you could update it, but who has the time? So you turn left when you should've turned right and wham-o! Are you covered? Hmmm...do you know what your cut-rate insurance trimmed to get you that great price? Might be worth a look.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.

Someone decided to save some money and got a cheap bungee cord to fasten their load.

It didn't work. Now you slam into their grill. And they have no insurance, so you're not getting a dime from them. If you tried to save some money by not choosing certain types of coverage, your coverage may be as flimsy as that bungee cord. It's the type of thing an Allstate Agent could tell you that cut-rate insurance won't.

Ask an Allstate Agent how you can help protect yourself from Mayhem like this.